For federal employees
A plan for the FERS stack.
FERS, TSP, FEHB, Social Security: four systems, one retirement. We rank the decisions by what a wrong answer costs, and build them into one coordinated plan.
Why federal is different
A federal retirement hands you decisions private-sector retirees never face: a survivor election that is effectively locked at retirement, FEHB coverage decisions that interact with Medicare, and a TSP that needs a withdrawal design rather than a default. Ranking them by reversibility is the work.
What we bring to it
The federal track runs through the same coordinated plan as everything else we build: the pension and Social Security become the income floor, the TSP gets a job description, and the tax plan decides which years the conversions belong to. One table, every consequence in the room.
How to start
Bring your years of service and the retirement date you are weighing to a Heard First Session. No documents required: the first hour is about which of your decisions are still open and what each one costs.
Start here
Built for this exact situation.
Article
Four Federal Retirement Decisions to Understand Before You Retire
Some choices can be revisited later. Others can affect your income, your spouse, or your health coverage for years.
Calculator
FERS Pension Calculator
How much will your FERS pension pay a month? Your high-3 salary, times your years of service, times 1%. At 62 with 20 years, 1.1%.
Guide
The Federal Retirement Decision Guide
How your pension, survivor election, Social Security, TSP, health coverage, life insurance, and taxes fit together, and how to put your retirement on one page.
Bring the situation, not the paperwork.
It costs nothing, and nothing is owed when the hour is over. You leave knowing where you stand, whether or not we ever speak again.
For those within five years of retirement or already there, with $1 million or more set aside. No cost. No obligation.